Search found 667 matches

by Dave55
Wed May 27, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4396
Views: 1252403

Re: What Book Are You Currently Reading? Part VI

LadyGeek wrote:
Tue May 26, 2020 6:49 pm
^^^ We have a dedicated sci-fi thread. Those books are discussed in several posts, starting from here: Re: Good Modern Science Fiction

(Feel free to update the thread.)
Thanks LadyGeek. Done.

Dave
by Dave55
Wed May 27, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 436
Views: 75042

Re: Good Modern Science Fiction

"The Murderbot Diaries" by Martha Wells. These 4 novellas are about an A.I. (Half robot half human construct) that is designed to provide security for humans. However the Bot only wants to watch entertainment videos. The first book in the series is "All Systems Red". The 2nd book is "Artificial Cond...
by Dave55
Tue May 26, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4396
Views: 1252403

Re: What Book Are You Currently Reading? Part VI

"The Murderbot Diaries" by Martha Wells. These 4 novellas are about an A.I. (Half robot half human construct) that is designed to provide security for humans. However the Bot only wants to watch entertainment videos. The first book in the series is "All Systems Red". The 2nd book is "Artificial Cond...
by Dave55
Tue May 26, 2020 6:12 pm
Forum: Personal Investments
Topic: Question about Edward Jones disapproval
Replies: 44
Views: 4325

Re: Question about Edward Jones disapproval

I have a friend paying Fisher $50,000 a year in fees and in 10 years that's $500,000 in fees. I pointed that out to him. He said as long they are making me money, he doesn't care. I left it there. You can't confer a benefit on an unwilling recipient.....


Dave
by Dave55
Sun May 24, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Boat to people out of State
Replies: 17
Views: 977

Re: Selling Boat to people out of State

Long story short I am selling my 2017 Coach 230 RL Tritoon for $38,500 and that is a really good deal so I am getting alot of people contacting from states nearby. I hold the title free and clear but many people want to pay with a cashiers check from their bank. Is there any reason to be concerned ...
by Dave55
Sat May 23, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27624

Re: The axe falls and I am prepared. What's next?

KF you prepared well for this day. Work if you are inspired to do so.

Dave
by Dave55
Fri May 22, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1787

Re: Blown Power Amplifier: Repair or Replace?

The NAD 2400 THX Power Amplifier I've been using happily for 26 years blew Tuesday afternoon :( and I'm wondering first if it's repairable, and second if it's worth it. This might have been the first time I've run it at full volume to power both Speakers A and B simultaneously. When it failed, it j...
by Dave55
Wed May 20, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Car Transport Services
Replies: 9
Views: 534

Re: Car Transport Services

I used Able Auto Transport in 2005 and 2011 to transport 2 autos both times cross country. I was totally satisfied with their service. https://www.ableautotransport.com/index.php

Dave
by Dave55
Sun May 17, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5336

Re: Thinking of buying a boat during pandemic – am I CRAZY?

My wife and I have been going back and forth on purchasing a boat. We recently bought a new lakeside house, and I have been wanting a boat for a *long long* time. Am I crazy to think about this given the current economic climate? The boat I’m looking at is listed at 65k, and I’ve been going back an...
by Dave55
Sat May 16, 2020 8:47 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10378

Re: Please tell me I'm not crazy

There's been a lot of conversations had with my wife about financial security and investment strategy given all the unknowns of COVID and it's impact on the economy over time, unemployment, etc. We currently have enough cash on hand to support 4 months of living expenses (maintaining our current st...
by Dave55
Thu May 14, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 615
Views: 32527

Re: What are you listening to now

Bill Evans Trio "Sunday at the Village Vanguard" album.

Dave
by Dave55
Thu May 14, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 615
Views: 32527

Re: What are you listening to now

Eyeski wrote:
Sun Apr 12, 2020 3:50 pm
Giant Steps-John Coltrane
One of the best Jazz Albums ever.

Dave
by Dave55
Thu May 14, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2914

Re: Secretly Retired - Family doesn't know

Tell the problem individual that you are "unemployed" and ask if they can contribute a "cut" of their income to you . I am being cynical, of course. But on a serious note, the "unemployed" label may work for you when dealing with the difficult family member. [edit] How about something like this: " ...
by Dave55
Wed May 13, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6590

Re: Has Your Spending Changed Since The Shutdown?

Our spending is down. Eating out and other various activities, like the movie theater, fitness classes, elective physical therapy, music lessons have stopped. Only driving to get groceries so gasoline usage and expense is way down. Not traveling this year. We cancelled trips to Europe, California, W...
by Dave55
Sun May 10, 2020 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3411

Re: Vanguard Technology Fund

Bogleheads - Interesting thought on the Vanguard Technology fund. I had a few Bogleheads actually reach out and send a note regarding the Jack Bogle Two Fund Portfolio inquiring about the possibility of also including the Technology Fund. I never considered that fund and have noted before that Jack...
by Dave55
Sun May 10, 2020 11:56 am
Forum: Personal Investments
Topic: 50K to invest, Where to put it??
Replies: 13
Views: 1530

Re: 50K to invest, Where to put it??

Having your house paid off is golden. Don't fix it, it isn't broke.

Dave
by Dave55
Sat May 09, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17350

Re: Quitting a job after two weeks: relocation expenses

50K/1.2M = 4.16% of your net worth? It does seem steep, but probably cheaper than a major medical issue due to the demands of the job. I don't know whether you should tough it out or go. But if you do go, you can use covid-19 as an excuse for walking out on the job. "'The risk to my grandma wasn't ...
by Dave55
Sat May 09, 2020 2:09 pm
Forum: Investing - Theory, News & General
Topic: The advice you give vs the approach you use
Replies: 36
Views: 2130

Re: The advice you give vs the approach you use

For my 92 year old Dad, we had him transfer to Vanguard 4 years ago and I allocated him using Total Stock, Total Int Stock, Total Bond and Short Term Bond 20% Stock and 80% bond. For my elderly aunt, we transferred her from Edward Jones I allocated her portfolio 15% stock YYM and 85% bond Total Bond...
by Dave55
Fri May 08, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17350

Re: Quitting a job after two weeks: relocation expenses

I have done a terrible, massive mistake. I moved from a tech company in Silicon Valley to a hedge fund on the east coast, lured by the money (3x my current compensation if we include the bonus!). I relocated 3 weeks ago in a corporate housing rental, paid by them. Flight was expensed (business clas...
by Dave55
Fri May 08, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 394
Views: 70767

Re: Bonds - Throw it all on the table!!!

abuss368 wrote:
Fri May 08, 2020 12:48 pm
Bogleheads -

Has anyone changed their bond strategy in the current environment of low interest rates?
Yes, I was 100% Total Bond. Now I am about 40% Total Bond VBTLX, 30% Vanguard GNMA VFIJX and 30% Vanguard Short Term Investment Grade VFSUX. I am chasing yield and proud of it.


Dave
by Dave55
Fri May 08, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Problems with Xfinity Internet drops
Replies: 28
Views: 1632

Re: Problems with Xfinity Internet drops

We have Comcast/Xfinity and about a month ago I bought a Motorola MB 7621 Modem and Google Mesh Wifi. No problems or issues with these units. OP you may want to test out a new Modem and see if the issue persists.

Dave
by Dave55
Wed May 06, 2020 8:05 pm
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3028

Re: How do I get out of home a partnership agreement?

What can go wrong in a partnership? Everything. What can go wrong in a family partnership? Everything squared.

Dave
by Dave55
Wed May 06, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9741

Re: How Do Early Retirees Pay for Medical

62 and ready to retire due to minor health reasons. Wife (61)will still work for a year. $2M in 401k, stocks and IRA. Wife has $300,000 pension. No kids. How do early retirees pay for their medical? For the past 35 years I paid for health insurance out of my own pocket. I was self employed. Current...
by Dave55
Wed May 06, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dealer won’t give back car titled in my name, how to proceed?
Replies: 71
Views: 5760

Re: Dealer won’t give back car titled in my name, how to proceed?

Back in March I was helping younger brother do taxes and noticed he was eligible for $530 savers credit if he put $1060 in Ira. Hew was unable to come up with $1060 so I funded his Ira with agreement that he would pay me when he got his tax return. In an effort to keep him accountable he signed the...
by Dave55
Wed May 06, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4421

Re: 2020 travel plans

Canceled our Europe trip that was scheduled for April. Luckily it was insured so we got a full refund. No plans to travel rest of this coming year.

Dave
by Dave55
Wed May 06, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55561

Re: How to get Toilet Paper ? seriously.

I went to Target yesterday, they were fully stocked with tp. But no Kleenex.

Dave
by Dave55
Sun May 03, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Working with commercial landlord during this mess??
Replies: 8
Views: 922

Re: Working with commercial landlord during this mess??

Was wondering if any of you have heard or have any creative ideas to work with my landlord for a new business I purchased (event space/ballrooms) about 10 days before covid-19 outbreak shut everything down? Timing could not have been worse and at this point I paid a large premium for the business (...
by Dave55
Mon Apr 27, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7828

Re: Mesh Wifi

I installed a 2 pack Google WiFi Mesh about 10 days ago. Easy to set up and it works great.


Dave
by Dave55
Thu Apr 23, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9347

Re: I Got Scammed To Send Amazon Gift Cards

Amazon customer service phone number 1 (888) 280-4331 I would think you can also dispute the charge on your credit card. Dave What?! Why would Amazon and/or Credit Card be at fault for your personal mistake? OP freely and willingly bought the cards. There is no fraudulent action for Amazon and Cred...
by Dave55
Wed Apr 22, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9347

Re: I Got Scammed To Send Amazon Gift Cards

I would think you can also dispute the charge on your credit card. I don't think there is a CC dispute here. OP made a legitimate purchase. I'm the OP and I agree. I'm on "chat' with Amazon right now. I'll report back soon. You can dispute any charge. Explain what happened to CC company. It never h...
by Dave55
Tue Apr 21, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9347

Re: I Got Scammed To Send Amazon Gift Cards

I would think you can also dispute the charge on your credit card. I don't think there is a CC dispute here. OP made a legitimate purchase. I'm the OP and I agree. I'm on "chat' with Amazon right now. I'll report back soon. You can dispute any charge. Explain what happened to CC company. It never h...
by Dave55
Tue Apr 21, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9347

Re: I Got Scammed To Send Amazon Gift Cards

Amazon customer service phone number 1 (888) 280-4331
I would think you can also dispute the charge on your credit card.


Dave
by Dave55
Mon Apr 20, 2020 7:35 pm
Forum: Personal Investments
Topic: investing 1 million dollars - I'm new and struggling to know when!
Replies: 19
Views: 1969

Re: investing 1 million dollars - I'm new and struggling to know when!

Hello there, Last year, my husband was killed in an airplane crash. I'm 49 years old, I've got two teenagers heading to college in a few years, a decent job I'd like to continue, a paid off house, and a small widow's benefit - so I won't be poverty stricken. I've also received just over 1 million d...
by Dave55
Mon Apr 20, 2020 6:50 pm
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8257

Re: Price of oil has collapsed; how will this impact the economy?

BogleMelon wrote:
Mon Apr 20, 2020 2:00 pm
What does it mean for crude oil to turn negative? Those who buy crude oil will buy it for free and get additional cash per barrel for it? :shock:
Roger Diwan explains How you end up with negative oil prices: https://twitter.com/RogerDiwan/status/1 ... 5291374592

Good explanation.

Dave
by Dave55
Mon Apr 20, 2020 5:43 pm
Forum: Personal Investments
Topic: How can I "buy into oil" at these prices?
Replies: 57
Views: 5700

Re: How can I "buy into oil" at these prices?

If you don't know what you are doing, chances are you could lose a lot more than your $5,000. Dave This. Are you prepared to cover the costs to transport and/or store it? Not to mention getting a margin call if the market moves against your "long position". If the mkt keeps moving against your long...
by Dave55
Mon Apr 20, 2020 1:21 pm
Forum: Personal Investments
Topic: How can I "buy into oil" at these prices?
Replies: 57
Views: 5700

Re: How can I "buy into oil" at these prices?

How does one "buy into oil" at these prices? As of this post - a barrel of oil is around $1.65 a barrel. I'm willing to toss 5k into something but USO and UGA are the only 2 funds I know of that are supposed to have some form of "tracking" of the oil price but I've watched them for some time and th...
by Dave55
Sun Apr 19, 2020 2:18 pm
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11841

Re: I'm out [of the market]

So Friday I decided to pull the plug and sold all stock and bound funds and put it in prime money mkt. Of course my Vanguard advisor discouraged me from taking this action. I had been invested in approx. 33% cash, 33% bonds, and 33%funds. Down approx 6% this year. The way I look at it is my wife an...
by Dave55
Sat Apr 18, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4396
Views: 1252403

Re: What Book Are You Currently Reading? Part VI

"Heartwood" by James Lee Burke. The second book in the Billy Bob Holland series. Wonderful Entertainment. J.L Burke is one of my favorite authors.

Dave
by Dave55
Fri Apr 17, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 59
Views: 4079

Re: Best Way to Watch British Mystery Shows

I can recommend A Touch of Frost, Blue Murder and the 4 Sherlock Holmes series starring Jeremy Brett. Brett is just brilliant as Holmes. I second "A Touch of Frost", David Jason as Frost is superb. I watched them all on Netflix disc rental about 15 years ago. Not sure how to watch them now. Dave
by Dave55
Wed Apr 15, 2020 5:45 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now
Replies: 128
Views: 13160

Re: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now

I have been staying away from bonds for over 10 years because it is so confusing. As I understand bond prices fall when interest rates go up as investors unload old bonds to buy newer bonds that bear higher interest rates. Interest rates have been low over the last decade, so why have people been b...
by Dave55
Wed Apr 15, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7828

Re: Mesh Wifi

I just ordered the 2 pack Google WiFi and a Motorola router to replace our rented Xfinity Modem/Router. Looking forward to getting it. Thanks for all the input about the Google WiFi. Dave Dave, consider keeping the Motorola router in the package and ready to send back. Google WiFi IS a router also....
by Dave55
Wed Apr 15, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7828

Re: Mesh Wifi

delete
by Dave55
Wed Apr 15, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7828

Re: Mesh Wifi

I just ordered the 2 pack Google WiFi and a Motorola router to replace our rented Xfinity Modem/Router. Looking forward to getting it. Thanks for all the input about the Google WiFi. Dave Dave, consider keeping the Motorola router in the package and ready to send back. Google WiFi IS a router also....
by Dave55
Wed Apr 15, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7828

Re: Mesh Wifi

I just ordered the 2 pack Google WiFi and a Motorola router to replace our rented Xfinity Modem/Router. Looking forward to getting it. Thanks for all the input about the Google WiFi.

Dave
by Dave55
Tue Apr 14, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4170

Re: Flying in September, think it will be safe?

I'm choosing September, before winter hits and hopefully the infection rate is still low enough to fly with confidence I won't get infected. I'm in the US, idaho, if it means anything. flying to Florida. will be there for two weeks. Morgan Stanley believes the second wave will hit sometime in Novem...